Esinye isisombululo esinokubangela ukuhlawulwa kwemali mboleko .
Kodwa ngelixa le nto inokunceda aboboleki bemali mboleko bagcina imali kwi-interest, kubaluleke nakakhulu kubaboleki bemboleko abafundi.
Ingxowa-mboleko yabafundi iRefinancing?
Mhlawumbi uvile ukuba unako ukugcina imali ngokuhlaziya umbolekiso wakho wemali okanye imali yakho yokubolekwa . Ewe, unokuhlaziya kwaye udibanise iimali-mboleko zakho zabafundi, kwakhona, ukuvumela ukuba ugcine imali kwinzala kwaye wenze iintlawulo zikwazi ukuphathwa. Kwaye ngokucoca iipesenti ezimbalwa zeepesenti, ungagcina amawaka eedola kwaye uphume kwetyala ngokukhawuleza. Izandi zikhangayo, akunjalo?
Nangona kukho iindleko zokulondoloza indleko, kungabakho ukuhamba ngokumngcipheko kumboleko obolekileyo ababolekayo.
Iziphumo zokuhlalutya iMali-mboleko yabafundi baseFrederal
Imali-mboleko yemfundo yakho yomthetho ilawulwa yiSebe leMfundo le-US. Ngokusebenzisa iSebe lezeMfundo, ababolekisi bemali-mboleko yomfundi banamalungelo athile.
Ngokomzekelo, ababolekisi bemboleko yemfundo abanamalungelo banokufikelela kwizicwangciso ezahlukeneyo zokuhlawula imali-kubandakanywa isicwangciso-mali esithatha ingeniso, esekelwe iintlawulo zakho zenyanga kwiholo lakho lokuqonda.
Ababolekisi beeboleji baseBurhulumende kwisicwangciso esithatha ingeniso esenza iintlawulo eziqhubekayo kwiminyaka engama-20 ukuya kweyesi-25 banokufanelekela ukuxolelwa kwemali mboleko . Ababolekisi beeboleji zabasebenzi be-Federal bafumana ilungelo lokuchithwa kunye nokunyamezela. Ezi zikhetho zinokubeka iintlawulo zemboleko zezikolo ukuba ziyeke ikhefu ukuba awukwazi ukwenza iintlawulo zakho zenyanga.
Imali-mboleko yemfundo yaseburhulumenteni ininzi ekhuselekileyo ekuthengiseni abathengi njengokufa nokukhubazeka, ukuchithwa okunyamekileyo kunye nokunyamezela, kunye nelungelo lokuphilisa ukungagqibekanga, "kusho ummeli wezezikweletu zabafundi uAdam S. Minsky. "Le nkqubo ayinakunikezwa kuphela ngesivumelwano-esinikwe ngumthetho we-federal, owenza ube namandla ngokukodwa." Yaye le mivuzo ingafumaneka ngokufanelekileyo xa usebenza kwintsimi ehlawulwa phantsi okanye xa uhlaselwa ngamaxesha amanzima .
Kodwa ababolekisi bemali-mboleko abasemgangathweni bayawayeka ezi ntlawulo xa zihlaziywa.
Xa uhlaziya imali mboleko yakho yomfundi, usebenza kunye nenkampani yangasese. Ngaloo ndlela, udlala kwintsimi yabo, ukujongana nemithetho yabo. Nangona i-loan refinancing yomfundi ingakusindisa imali, akunakukunceda ukuba ugqibe ukulahlekelwa ngumsebenzi wakho kwaye awukwazi ukuhlawula imali. Awuyi kuba neenzuzo ezimalunga nezibonelelo zemali-mboleko zemfundo ezibonelelwa ngeSebe leMfundo le-US.
Kwaye xa uhlaziya, akukho kubuya. "Ukuxhaswa kwemali-mboleko ye-federal kwimali-mboleko yabucala yindlela enye yendlela yokubolekwa kwemali. Akukho ndlela yokuguqula umboleko wemali yangasese kwimali-mboleko yemali, "kuchaza uMinsky.
Njengomntu oboleka umbolekisi wezemali, umele ulahlekelwe yizibonelelo ezilandelayo ngokuhlaziya:
- Ukulungelelaniswa kwiprojekti eqhutywe ngeniso
- Ukuxolelwa kwemali mboleko yomfundi
- I nkcazo
- Ukunyamezela
- Inkqubo yokuncedisa intlawulo (njengeNkonzo yoLuntu yokuXholelwa kwemali kunye nezinye iinkqubo)
- Ukufa nokukhubazeka
- Ukulungiswa ngokuzimeleyo
Nangona ababolekisi bemali mboleko yokuhlaziya isikhalazo banokunikela ngezibonelelo ezinjenge-deferment, izibonelelo eziqhubekayo zifutshane ziqhathaniswa neSebe leMfundo le-United States. Akunjalo kuphela, kodwa ababolekisi bamashishini bangasetyenziswa ukutshintsha iminikelo yabo nanini na.
Ukuxhaswa kwabathengi abaxhomekeke kumboleki obolekwa ngabangasese banomnqophiso kwaye bahlala beqondakala ngokufanelekileyo-oko kuthetha ukuba umboleki okanye u-servicer uya kuthatha isigqibo sokuba ngaba okanye bangawanyanzelisi, "utsho uMinsky.
Kukho izinto ezininzi ezingaziwa malunga ne- student-loan-consolidation industry, esasisebuncinaneni.
"Ngenxa yokuba abaninzi abadlali kwimali yokuzibolekisa ngemali yabangasese bayayifumana entsha, asiyazi nje ukuba baya kubaphatha njani ababolekayo okanye abolekayo," kusho uMinsky. "Asazi indlela enesidima kunye nezimo eziguquguqukayo eziya kubakho, ukuba ziza kusebenzisa njani iiprogram zokunceda kwiinkontrakthi zabo, okanye ziza kubaphandelela njani abantu."
Ngaba iRefinancing Ideal Idea?
Ukuba ucinga ukuhlaziya imali yakho yemali-mboleko yomfundi, kubalulekile ukuba ulinganise ubungqina kunye neengxaki ngokucophelela. Ukugcinwa kweendleko kunokubaluleka kubaboleki abathile, kodwa kuninzi lwabo ababolekisi bemali-mboleko yomfundi, mhlawumbi ingabi yinto efanelekileyo. Kuninzi ukulahlekelwa ngokubhekiselele kwizibonelelo kunye nokukhuselwa.
Nangona kunjalo, ukuhlaziywa kwemali-mboleko yemali efunyenwe ngumfundi inokuba yinto efanelekileyo phantsi kweemeko ezithile. Ngokomzekelo, ukuba unomsebenzi oqinileyo, uvimba obuninzi lwemali kwaye uceba ukuhlawula ityala lakho ngexesha elifutshane, ukulungiswa kwempahla kunokuba lunengqondo njengendlela yokunciphisa intlawulo yakho yomdla kunye nokuhlawula ityala ngokukhawuleza. Kodwa akukho miselo onzima kunye ngokukhawuleza malunga nokuba ngubani omele ahlaziye iimali mboleko zezemfundo kunye nabangenayo.
"Ndicinga ukuba ababolekayo kufuneka baqonde ngokupheleleyo oko bafumanayo noko bayekela, kwaye kufuneka bahlole ukunyamezela kwabo," utsho uMinsky. Kwabanye ababolekayo, loo mngcipheko unokuba luninzi kakhulu - ngelixa kwabanye, kuba ngumngcipheko wexesha elifutshane owanceda bahlawule ngokukhawuleza amatyala.
Ngoko ukuba unemali-mboleko yomfundi kwaye ukhangele ukugcina imali ngenzuzo ngokusebenzisa ukuhlaziywa, qalisa ukuhlola imeko yakho yangoku yemali. Qonda ukuba zeziphi iingenelo kunye nokukhuselwa kwakho ukulahlekelwa, kwaye uqinisekise ukuba izibonelelo ozifumanayo zifanelekile.